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Rates & Fees

Looking for the best way to grow your money? With competitive CD rates and savings account rates, you can rest assured that your money is in good hands

Certificates of Deposit

Effective as of 10/4/2023

Rates MaturityInterest RateAPY*
6 Month CD1.60%1.61%
9 Month CD Special - initial deposit under $100,0004.00%4.07%
9 Month CD Special - initial deposit $100,000 or more4.15%4.23%
12 Month CD2.20%2.22%
15 Month CD Special - initial deposit under $50,0004.89%5.00%
15 Month CD Special - initial deposit $50,000 or more5.00%5.12%
18 Month CD2.40%2.49%
24 Month CD BUMP UP**4.41%4.50%
30 Month CD3.00%3.04%
36 Month CD3.69%3.75%
48 Month CD Special - initial deposit under $100,0004.17%4.25%
48 Month CD Special - initial deposit $100,000 or more4.41%4.50%
60 Month CD3.69%3.75%
84 Month CD3.00%3.04%

Interest rates are subject to change without notice. Substantial penalty for early withdrawal. Minimum deposit of $500 is required to open a CD. Fees may reduce earnings.

*Annual Percentage Yield.
**If we offer a higher interest rate on a 24 Month CD during the term of your CD, you have a one-time option to increase your rate to match the newest rate without a penalty! The one-time option can be communicated by phone, in writing or in person by any of the owner(s) of the CD. Executing a rate bump will not extend your Certificate’s maturity date. You are permitted to have only one interest rate increase (bump up) for the initial term. Subsequent renewals of this Certificate will not have this feature.

Savings Accounts

Effective as of 10/4/2023

Mainely Preferred Savings AccountInterest RateAPY*
Less than $25,0000.50%0.50%
At least $25,000 but less than $50,0000.80%0.80%
At least $50,000 but less than $100,0001.00%1.00%
At least $100,000 but less than $250,0001.44%1.45%
At least $250,000 but less than $500,0001.79%1.80%
At least $500,000 but less than $750,0002.57%2.60%
$750,000 or more2.81%2.85%

Fees may reduce earnings on these Savings Accounts. Rates are subject to change after account opening.

*Annual Percentage Yield.

Youth Savings Account

Effective as of 10/4/2023

Balances**Interest RateAPY *
$0 to $5,000.991.50%1.51%
$5,001.00 or more0.50%0.50%

Fees may reduce earnings on these savings accounts.

Rates are subject to change after account opening.

*Annual Percentage Yield.

**Annual percentage yield for this tier will range from 0.50% to 1.51% depending on the balance in the account.

Checking Accounts

Effective as of 10/4/2023

AccountInterest RateAPY*
Mainely Now Account0.20%0.20%

Fees may reduce earnings on this account. Rates are subject to change after account opening.

*Annual Percentage Yield.

Looking for our fees? 

We are pleased to offer some of the lowest fees available. Find them here.

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Savings Accounts

High-yield Savings Accounts. Health Savings Accounts. Accounts for 55+ savers (and young savers too).
Learn More

Checking

Free Checking Accounts, Online Checking Accounts, free Debit Cards and more.
Learn More about Checking

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